Originally posted by Never-In-Doubt
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Wiggle's UE Diary
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Re: Wiggle's UE Diary
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Re: Wiggle's UE Diary
Originally posted by Wiggle61 View PostI didn't fall into arrears. Went from paying the full amount to a reduced amount via the DMP and haven't missed a payment. Doesn't sound promising.
I will add the other three into the diary.
Interesting re: the DMP. I think I am at the stage now where I take this on myself. I assume I have to set up some sort of basic, separate bank account detached from my current? Is there anywhere I can read up on the process? I assume it's simply a case of informing the DMP that I am managing it now and setting up payments (or not) to the creditors?
youre best defaulting then doing a dmp if anything, cos at least then after 6 years you get a clean file - your way could mean a 12 year dmp showing 6 years historic data plus another 6 years for a default if you mess up the dmp so in all you'll have had a bad credit file for over 20 years, for what? Get it defaulted then that's that sorted
several people here have done DMP's -PayPlan included - and have paid it religiously for many years to then at the end get a bill for interest, I mean several thousand
Why use them, do it yourself if necessary but right now I'd cancel the whole dmp and listen to us, then let's get you back on track following the UE route. Up to you mate.
i think I've spelled out the relevant points to you now. Time to make a decision
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Re: Wiggle's UE Diary
Originally posted by Wiggle61 View PostM&S
Credit Card
Commenced Jan 2007
Balance approx £3600 (defaulted Aug 2009)
Last full payment circa Jan 2009.
On DMP paying £40 per month
Default applied Aug 2009
Paying IDEM
Balance approx £3600 (defaulted July 2009)
Nov sent cca request
Dec received vague response letter from IDEM stating they uphold my complaint
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Re: Wiggle's UE Diary
Originally posted by Wiggle61 View PostHBOS
Credit Card
Commenced Nov 2006
Balance approx £3600 (defaulted Aug 2009)
Last full payment circa Jan 2009.
On DMP paying £40 per month
Default applied Aug 2009
Paying Robinson Way
Nov sent cca request
Dec received vague response letter from Robinson Way stating HBOS will send terms and as such, the account is enforcable (no terms received).
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Re: Wiggle's UE Diary
I didn't fall into arrears. Went from paying the full amount to a reduced amount via the DMP and haven't missed a payment. Doesn't sound promising.
I will add the other three into the diary.
Interesting re: the DMP. I think I am at the stage now where I take this on myself. I assume I have to set up some sort of basic, separate bank account detached from my current? Is there anywhere I can read up on the process? I assume it's simply a case of informing the DMP that I am managing it now and setting up payments (or not) to the creditors?
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Re: Wiggle's UE Diary
Originally posted by Wiggle61 View PostThanks and not what I wanted to hear really! I called the ICO yesterday who referred me to FOS
Let's see what the FOS say. You never know, but I suspect they'll say that if it was a true reflection of the account, and you were not paying the agreed amounts (as per the agreement) then AP was the correct marker. If you did not default then they cannot add that entry as it'd not be an accurate event would it?
Simple question, did you ever fall into arrears with this and then agree to a reduced payment with the lender? If so they can (and will) apply a AP marker. If however you stopped paying for a few months, they'd probably have defaulted you in which case great - it stands.
it all depends what you've done to date, I think you'd be best starting a proper diary listing ALL debts so we can look at each debt individually. Just dealing with the two you want to deal with could take years and all that time you're leaving others sitting there - it's nuts. You either do the full monte or none. What you're suggesting is likely to create further issues down the line, as this AP has proven. Listen to us, we deal with these things daily, and we'll get you back on track.
As to why do it yourself, because in doing so you're certain interest won't be added at the end - these dmp companies always screw up and leave a debtor with a huge debt at the end of a dmp due to interest being added. The dmp saying it has bEen stopped is all good and well, has the lender / creditor ever confirmed this? Doing it yourself means you can answer this easily - however anything you answer will be what the dmp tells you, and you think they don't lie/make errors?
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Re: Wiggle's UE Diary
Originally posted by Never-In-Doubt View PostOk, and you're happy to continue the dmp then are you? Why not do your own.....?
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Re: Wiggle's UE Diary
Originally posted by Never-In-Doubt View PostOh, that's different....... The default should have been applied within 6 months of the first defaulted element kicking in, ie first late/missed/short payment received. If not then it's the ICO you'd complain to as it is ICO guidelines you're arguing. That said, the OFT guidelines on debt collection do say similar, but I'd not have left this to the FOS to deal with.
As for Marlin, they are a nightmare - one of the worst DCA's out there - I have personal experience of dealing with them and to say they lie and cheat is an understatement. * come on you buggers! threaten to sue me!!!
So with regards to NRAM, we deformed need to know the history if you need help with this. However as you say might be best awaiting the FOS finding in their favour, which they usually do, then we'll look into it with you. But it's unlikely they will apply a retrospective default as they could say they didn't do it earlier because they were helping you etc etc..... Just be prepared for the worse as the FOS are pretty dire at such decisions so if they find for you, then great, but don't expect them to as it's unlikely they will sadly.
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Re: Wiggle's UE Diary
I'm confused, in post 1 you said the mortgage via NRAM is up to date, yet they've got an AP marker - why?
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Re: Wiggle's UE Diary
Originally posted by Wiggle61 View PostThey (Barclays) have already defaulted me in 2009. Interest is frozen, paying them a nominal fee of £45 per month via the DMP
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Re: Wiggle's UE Diary
Originally posted by Wiggle61 View PostI guess I read that an OD is more difficult to contest so my thinking is deal with it later. For now I want to go UE with HBOS & M&S as they are via the "leaches"
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Re: Wiggle's UE Diary
Originally posted by Wiggle61 View PostI'm leaving that to the Financial Ombudsman. NRAM have sold it to Marlin last month so I am terrified they will change it from ATP to Default. I want NRAM to apply a retrospective default before CCA'ing
As for Marlin, they are a nightmare - one of the worst DCA's out there - I have personal experience of dealing with them and to say they lie and cheat is an understatement. * come on you buggers! threaten to sue me!!!
So with regards to NRAM, we deformed need to know the history if you need help with this. However as you say might be best awaiting the FOS finding in their favour, which they usually do, then we'll look into it with you. But it's unlikely they will apply a retrospective default as they could say they didn't do it earlier because they were helping you etc etc..... Just be prepared for the worse as the FOS are pretty dire at such decisions so if they find for you, then great, but don't expect them to as it's unlikely they will sadly.
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Re: Wiggle's UE Diary
Originally posted by Never-In-Doubt View Postthats how we work here, yes.
If you'd rather fight UE instead of making an offer then fine, if it's the F&F route then fine - we'll help whatever you think is best for you.
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Re: Wiggle's UE Diary
Originally posted by Never-In-Doubt View PostSo why are you paying them, what is the logic behind it - just stop paying them and let them default you and get it over with!! Pointless keeping it alive by paying into it, unless there's another reason for it?
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